You don't, generically.
There are many websites that "list" foreclosures when most of the time they are not or the bank needs to foreclose to get subordinated liens removed.
The banks then hand the listings to real estate agents for sale once the property is ready.
Best idea is to get a real estate agent that can knows the system and they will help you.
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Thank you for writing in. This is a great question. There are a few options available to the homeowner who is facing foreclosure. They are as follows:
For a temporary fix:
1. File Bankruptcy;
For a more permanent fix:
1. Contact your current lien holder to request a loan modification;
2. Contact your current lien holder to ask about a Deed in Lieu of Foreclosure;
I hope you find this information helpful.
If it's a new listing, the listing agent may not have had time to post pictures yet. In order for homes to sell quickly, buyers love to see pictures. Hopefully, there will be some soon! If you'd like to see this one, I'd be happy to show you. If there are any other homes you may be interested in, please let me know. Ginny... more
Going shopping for a mortgage. It may seem backwards to shop for a mortgage before you shop for the house, but there are several reasons for doing this. Shopping for a mortgage will also help if you can get “pre-approved” for the amount you’d like to borrow. This means the lender has looked over your credit and financial statement and agreed to lend you the money. Sellers like pre-approved buyers because there’s less risk the deal won’t go through. First, you’ll find out how much you can borrow, which has a lot to do with how much house you can buy. Get my top 25 Questions for FREE that you should be asking your lender before you choose them to secure a mortgage.
Whether you’re, buying, or building your dream home, you have a lot riding on your decision. Market conditions and mortgage programs change frequently, and I welcome the opportunity to serve your needs with quick and accurate real estate financing advice. I have the expertise and knowledge to help you determine the absolute best loan program to meet your objectives.
Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations.. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.
I look forward to working with you!
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Don't know where Wildwood is; some areas of the Country handle Lease/Options differently:
As a rule, L/O is not a good way to go; You are the mercy of the Seller who can dictate the terms, it is full of pitfalls, it is way more expensive than using a Lender, and the Seller does not report to the Credit Agencies, thereby improving your Credit Score.
I will state that Lease/Option is the ultimate "Caviat Emptor"!
4 years should be enough time; you should be able to get a loan.
I can recommend a Mortgage Specialist who works in all 50 states; he's honest and knowledgable.
Shane Milne, and you can e-mail him at email@example.com
He is regiatered on Trulia; you can look up his PROFILE and RECOMMENDATIONS.
Look for the VIEW A TRULIA VIP and chick it.
Good luck and may God bless... more
The difference is as the names suggest. One foreclosure is triggered by delinquent taxes and the other is by delinquent mortgage payments. The auctions are similar but in different locations and times.... more
Please contact me with your full criteria that you are seeking and I will be glad to assist you.
AJ Ryan Realty
34 NW 1 Ave
Dania, FL 33004
E-mail: firstname.lastname@example.org... more
If you are dealing with a bank owned property and that is what they are asking for then that is probably what you will need to do for them to sign the contract. Just read through their bank addendums very carefully and make sure you understand the time frames and make sure that you have the correct contingencies written into your offer such as home inspection and finance contingencies to name two of the most common.... more
Cash for keys is a common expression for this. It's not a lot of money, but often enough to allow you to move and put a deposit down on a rental. In exchange you promise to leave the home in reasonable condition and leave on the scheduled date.... more